OKX Card
Prepaid card · Mastercard
Rewards: Up to 10.00%with VIP 4 or higher
- Net rate, no lock-up
- 1.90%
- Annual fee
- €0
- Type
- Prepaid
- US
- Not for US users
Rewards: Up to 10.00%, base 2.00%. Top rate: OKX VIP 4 or higher. Paid in USDG.
Best Crypto Debit Cards
A crypto debit card spends from an account balance, a prepaid card from money you load first, and both can pay rewards in crypto. We rank 24 active cards by our estimated net reward rate without a lock-up.
Best for you, by need
Pionex Card
Debit card · Visa
Rewards: Up to 5.00%with the Gold Card, by invite
- Net rate, no lock-up
- 1.00%
- Annual fee
- $0
- Type
- Debit
- US
- Not for US users
Rewards: Up to 5.00%, base 1.00%. Top rate: Pionex Gold Card, by invitation only. Paid in USDT.
Debit card · Mastercard
Rewards: Up to 3.00%with Metal, $199 a year
- Net rate, no lock-up
- 1.00%
- Annual fee
- $0
- Type
- Debit
- US
- Not for US users
Rewards: Up to 3.00%, base 1.00%. Top rate: Metal tier at 199 USD a year; new Metal orders paused since 2026-06-02.
Uphold Debit Card (Uphold Essential Card and Uphold Elite Card)
Prepaid card · Visa
Rewards: Up to 4.00%with the Elite plan
- Net rate, no lock-up
- 0.99%
- Annual fee
- DetailsEssential USD 0; Elite USD 99.99
- Type
- Prepaid
- US
- US: with conditions
Rewards: Up to 4.00%, base 1.00%. Top rate: Elite plan at 99.99 USD a year, card funded with crypto or metals.
LBank Card (tiers 8 Card Instant, virtual, and 8 Card GO, physical)
Debit card · Visa
Rewards: Up to 2.00%with SVIP and 20K USDT spend
- Net rate, no lock-up
- 0.80%
- Annual fee
- $0
- Type
- Debit
- US
- Not for US users
Rewards: Up to 2.00%, base 0.80%. Top rate: SVIP level with at least 20,000 USDT card spend in the previous month.
Wirex One Card
Debit card · Visa
Rewards: Up to 8.00%with Bespoke, 10% in WPAY
- Net rate, no lock-up
- 0.50%
- Annual fee
- $0
- Type
- Debit
- US
- Not for US users
Rewards: Up to 8.00%, base 0.50%. Top rate: Bespoke tier: Wirex One portfolio of at least 50,000 USD with at least 10% held in WPAY.
Phemex Card
Debit card · Mastercard
Rewards: Up to 1.00%with the VIP tier
- Net rate, no lock-up
- 0.25%
- Annual fee
- $0
- Type
- Debit
- US
- Not for US users
Rewards: Up to 1.00%, base 0.25%. Top rate: Phemex VIP user tier. Paid in USDT.
Prepaid card · Visa
Rewards: Up to 3.00%
- Net rate, no lock-up
- 0.25%
- Annual fee
- $0
- Type
- Prepaid
- US
- Offered in the US
Rewards: Up to 3.00%, base 0.25%. Top rate: No staking, but boosts need a Fold Reserve balance of 15,000 to 100,000 USD; Reserve is closed-loop stored value issued by Fold, not interest bearing, not FDIC insured and not redeemable for cash (usable for bitcoin, gift cards, credit card bill). Paid in Bitcoin (BTC).
Debit card · Mastercard
Rewards: Up to 10.00%with Supreme VIP or PRO 3+
- Net rate, no lock-up
- 0.10%
- Annual fee
- €0
- Type
- Debit
- US
- Not for US users
Rewards: Up to 10.00%, base 1.00%. Top rate: Supreme VIP or PRO 3 to 5, or a VIP level with 25,000 EUR card spend in the month.
- Net rate, no lock-up
- 0.01%
- Annual fee
- €0
- Type
- Debit
- US
- Not for US users
Rewards: 1.00% on all spend.
- Net rate, no lock-up
- 0.00%
- Annual fee
- $0
- Type
- Debit
- US
- US: with conditions
Rewards: Up to 2.00%, base 0.00%. Top rate: 30-day average of at least 150,000 USD in assets held.
Prepaid card · Visa
Rewards: Up to 4.50%with $500K CRO staked
- Net rate, no lock-up
- -0.01%
- Annual fee
- Not stated
- Type
- Prepaid
- US
- Offered in the US
Rewards: Up to 4.50%, base 0.00%. Top rate: 500,000 USD in CRO staked or locked for 12 months. Paid in CRO.
SwissBorg Card
Debit card · Mastercard
- Net rate, no lock-up
- -0.94%
- Annual fee
- €0
- Type
- Debit
- US
- Not for US users
Rewards: No reward rate stated.
CL Card compatible with Ledger (Crypto Life Card)
Debit card · Mastercard
1.00%rewards
- Net rate, no lock-up
- -1.00%
- Annual fee
- €0
- Type
- Debit
- US
- US: with conditions
Rewards: 1.00% on all spend.
Cash App Card
Prepaid card · Visa
- Net rate, no lock-up
- Not stated
- Annual fee
- $0
- Type
- Prepaid
- US
- Offered in the US
Rewards: No reward rate stated.
Prepaid card · Visa
- Net rate, no lock-up
- Not stated
- Annual fee
- $0
- Type
- Prepaid
- US
- Offered in the US
Rewards: The reward rate varies and is not published as a number.
eToro Visa Debit Card
Debit card · Visa
Rewards: Up to 4.00%with Platinum+ or higher
- Net rate, no lock-up
- Not stated
- Annual fee
- €0
- Type
- Debit
- US
- Not for US users
Rewards: Up to 4.00%, base 3.00%. Top rate: No staking; the card requires eToro Club membership (Platinum or higher), also available as a Club subscription.
Gate Card (Gate US Prepaid Debit Visa Card)
Prepaid card · Visa
- Net rate, no lock-up
- Not stated
- Annual fee
- Not stated
- Type
- Prepaid
- US
- US: with conditions
Rewards: No reward rate stated.
Holyheld card (onchain debit card)
Debit card
- Net rate, no lock-up
- Not stated
- Annual fee
- CHF 0
- Type
- Debit
- US
- US: not stated
Rewards: No reward rate stated.
KuCard
Debit card · Visa
Rewards: Up to 8.50%with top VIP and KCS staked
- Net rate, no lock-up
- Not stated
- Annual fee
- Not stated
- Type
- Debit
- US
- Not for US users
Rewards: Up to 8.50%, base 1.00%. Top rate: Optional KCS staking for the bonus tier: K4 (5% extra, cap 50 EUR/month) needs KCS staking above 10% of total account assets; base cashback depends on VIP level.
Revolut Crypto Card (virtual crypto card)
Debit card
- Net rate, no lock-up
- Not stated
- Annual fee
- Not stated
- Type
- Debit
- US
- US: not stated
Rewards: No reward rate stated.
Trade Republic Card (Virtual, Classic, Mirror)
Debit card · Visa
Rewards: Up to 2.00%on crypto-funded spend
- Net rate, no lock-up
- Not stated
- Annual fee
- €0
- Type
- Debit
- US
- Not for US users
Rewards: Up to 2.00%, base 1.00%.
WhiteBIT Nova USD Card (Nóva USD)
Debit card · Visa
- Net rate, no lock-up
- Not stated
- Annual fee
- $0
- Type
- Debit
- US
- Not for US users
Rewards: No reward rate stated.
Xapo Card (Xapo Bank debit card)
Debit card
3.00%rewards
- Net rate, no lock-up
- Not stated
- Annual fee
- $1,000
- Type
- Debit
- US
- Not for US users
Rewards: 3.00% on all spend. Paid in BTC.
No cards match all of these filters.
Method
How we picked
Active cards whose terms call them a debit or prepaid card, sorted by estimated net reward rate without a lock-up, then at the best tier, then by name. Cards whose core facts are older than 45 days leave the list until we check them again.
Sources
Sources, how we rate and our process
Sources
- blog.kraken.com, for Krak Card card terms, checked October 22, 2026
- bybit.eu, for Bybit Card card terms, checked October 22, 2026
- cash.app, for Cash App Card card terms, checked October 22, 2026
- crypto.com, for Crypto.com Prepaid Visa Card card terms, checked October 22, 2026
- etoro.com, for eToro Visa Debit Card card terms, checked October 22, 2026
- foldapp.com, for Fold Prepaid Debit Card (marketed as the Fold Card) card terms, checked October 22, 2026
- gate.com, for Gate Card (Gate US Prepaid Debit Visa Card) card terms, checked October 22, 2026
- help.coinbase.com, for Coinbase Card card terms, checked October 14, 2026
- help.pionex.com, for Pionex Card card terms, checked October 22, 2026
- help.revolut.com, for Revolut Crypto Card (virtual crypto card) card terms, checked October 14, 2026
- help.whitebit.com, for WhiteBIT Nova USD Card (Nóva USD) card terms, checked October 22, 2026
- holyheld.com, for Holyheld card (onchain debit card) card terms, checked October 22, 2026
- kucoin.com, for KuCard card terms, checked October 22, 2026
- lbank.com, for LBank Card (tiers 8 Card Instant, virtual, and 8 Card GO, physical) card terms, checked October 22, 2026
- okx.com, for OKX Card card terms, checked October 22, 2026
- phemex.com, for Phemex Card card terms, checked October 22, 2026
- support.bitpanda.com, for Bitpanda Card card terms, checked October 22, 2026
- support.ledger.com, for CL Card compatible with Ledger (Crypto Life Card) card terms, checked October 22, 2026
- support.metamask.io, for MetaMask Card card terms, checked October 22, 2026
- swissborg.com, for SwissBorg Card card terms, checked October 22, 2026
- traderepublic.com, for Trade Republic Card (Virtual, Classic, Mirror) card terms, checked October 14, 2026
- uphold.com, for Uphold Debit Card (Uphold Essential Card and Uphold Elite Card) card terms, checked October 22, 2026
- wirexapp.com, for Wirex One Card card terms, checked October 22, 2026
- xapobank.com, for Xapo Card (Xapo Bank debit card) card terms, checked October 22, 2026
How we rate
We do not score cards. Instead we estimate a net reward rate: what a reference spender earns in rewards in a year, minus what the card costs in that year, divided by the spending. Amounts are in the currency of the card's program. How we rate
Our process
We take fees, availability, licenses and coin counts from primary sources: each provider's own fee schedules, terms and help pages, and the public registers kept by regulators. Every value carries the date we last checked it. The values on this page were checked between October 14, 2026 and October 22, 2026. Ethan Parker, Senior Content Editor, checked this page; updated October 22, 2026.